{"status":200,"message":"Success","data":{"id":"d2e9226e-a1d1-5f29-8547-2cdb9822b9b1","title":"Community Partners Loan Pool (CPLP)","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"14fe34e1-2a3e-41eb-9a5a-7479a87c1a63"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"nc:nchfa-community-partners-loan-pool"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"CPLP gives qualified home buyers down payment assistance of up to 25% of the sales price, not to exceed $50,000, when combined with an NC Home Advantage Mortgage, or up to 10% when combined with a USDA Section 502 loan. It is a 0% interest deferred second mortgage. NCHFA budgeted up to $12.5 million for CPLP in 2026, available after January 1, 2026, and works through participating local governments and nonprofit organizations.","funding":{"details":"Up to 25% of sales price, not to exceed $50,000 per buyer (about $12.5 million budgeted for 2026)","maxAwardAmount":{"amount":"50000.00","currency":"USD"}},"funders":{"primary":{"id":"aa15cdd1-48ff-5819-a659-7fb3426c2af2","name":"North Carolina Housing Finance Agency","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"dd6ebd22-c34b-4a11-abc6-b95772a90bc8","allIds":[{"id":"dd6ebd22-c34b-4a11-abc6-b95772a90bc8","status":"active"}]},"org:us:nc:agency":{"registry":{"code":"org:us:nc:agency","url":"https://opengrants.io/common-grants/registries/org-us-nc-agency.json"},"id":"NCHFA"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Annual allocation; 2026 funds available after January 1, 2026"}}},"acceptedApplicantTypes":[{"value":"non_profit_with_501c3","description":"Nonprofit"},{"value":"nonprofit_without_501c3","description":"Nonprofit"},{"value":"government_state","description":"Public Agency"},{"value":"government_county","description":"Public Agency"},{"value":"government_municipal","description":"Public Agency"},{"value":"government_special_district","description":"Public Agency"}],"source":"https://www.nchfa.com/home-ownership-partners/community-partners/community-programs/community-partners-loan-pool","customFields":{"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Buyers must be at or below 80% of area median income, have a credit score of at least 640, housing ratio of 28% to 32% and total debt-to-income of no more than 45%, and complete home buyer education plus two hours of in-person counseling. Organizations become partners through NCHFA's Partner With Us process. Local governments and nonprofits join as Community Partners (CPLP members); the assistance is delivered to qualified home buyers."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://www.nchfa.com/","description":"North Carolina Housing Finance Agency grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"State","description":"State, Federal, Federal and State, or Other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-04T18:36:21Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"NC","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"nchfa","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"NCHFA","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://www.nchfa.com/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Nonprofit","Public Agency"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"Local governments and nonprofits join as Community Partners (CPLP members); the assistance is delivered to qualified home buyers.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"Down payment assistance second mortgages delivered through local government and nonprofit partners.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSourceNotes":{"name":"fundingSourceNotes","fieldType":"string","value":"Allocated annually by the Agency; the page does not name a federal source.","description":"Notes on the source of funds","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Up to 25% of sales price, not to exceed $50,000 per buyer (about $12.5 million budgeted for 2026)","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Pass-through: organizations apply to become a Community Partner through NCHFA's Partner With Us page; buyers then contact a CPLP member.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Annual allocation; 2026 funds available after January 1, 2026","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"Buyer income, credit and counseling requirements; the loan is a deferred second mortgage repaid at sale or the end of the first mortgage term.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"nchfa-community-partners-loan-pool","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-north-carolina/#p-nchfa-community-partners-loan-pool","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://www.nchfa.com/home-ownership-partners/community-partners/community-programs/community-partners-loan-pool","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-04","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-04T13:29:05.334216+00:00","lastModifiedAt":"2026-11-06T23:05:59Z","competitions":[],"awards":[]}}